Ukutshala imali singakufanisa nokulima ngethemba lenzuzo
SIKHULA NGOMNOTHO
UKUFUNDA kwabantu ukuzitshalela ukudla nokufuya, ngobunye bobuchwepheshe obungephikwe. Phambilini abantu babethola ukudla ngokuzingela, ukudoba nokukha izithelo zasendle bengenalwazi ngokutshala. Ngokuzilimela nokufuya abantu bakwazi ukwandisa ukudla abanako ngoba uhlamvu olulodwa lukhipha isikhwebu. Nokufuya kwasho ukuthi abasadingi ukuzingela.
Ngokuhamba kwesikhathi kwaqala ukuhwebelana ngokudla neminye imikhiqizo. Namhlanje ukulima nokufuya yikhona okuhamba phambili ekuqinisekiseni ukuthi siyadla nsukuzonke. Okwehlukile wukuthi asisazilimeli sekunabalimi abangabahwebi.
Ukutshala imali singakufanisa nokulima. Uthatha imali onayo, njengembewu, uyitshale emabhizinisini ngethemba lenzuzo. Isivuno sincike ekuvundeni kwenhlabathi otshale kuyo nesimo sezulu ongeke uqiniseke ngakho.
Kuyafana noma utshala imali, kunezinto ongeke uqiniseke ngazo ezifana nesimo sezombusazwe, izinhlekelele zendalo nokunye.
Zikhona izinto ongazenza ukwandisa amathuba akho enzuzo. Esobala nje ukutshala imali yakho ezindaweni ezahlukene nokubhekisisa isisekelo samabhizinisi otshala kuwo. Asikho isiqiniseko sokuthi isivuno sizoba sihle kodwa ngoba siyazi ukuthi kuyaba njalo, siyaqhubeka sitshale. Siyafika isomiso, kodwa lokho akusho ukuthi ngeke siphinde sitshale. Okusemqoka wukuthi sesifunde izindlela zokukhulisa isivuno. Nasemalini kunjalo, awutshali imali noma yikuphi, ubheka amathuba angcono. Ngikhumbula izinsuku lapho imindeni yayihlangana ilime, itshale iphinde ihlakule ndawonye. Noma sekuvunwa kwakuba yiso leso. Engenazo izinkabi sasithunywa ukuthi siyilimele, yona isize ekuhlakuleni nasekuvuneni.
Umbuzo uthi sihlulwa yini ukusebenzisa lezi zindlela zobuntu ukwakha umnotho. Ngokuhlanganisa imali siyitshale ngokuhlanganyela singazuza lukhulu. Eqinisweni sesiyakwenza vele ukuthi sihlanganise imali ngizitokfela, inkinga nje ukuthi asiyitshali.
Zimbili izindlela zokukhula kwemali uma uyitshalile. Okokuqala ikhula ngokunyuka kwentengo yebhizinisi noma amasheya otshale kuwona. Okwesibili ukuthola inzalo njalo ngesikhathi esithile ngokwesivumelwano. Lezi zindlela ziyahlanganiswa zakhe imbuyiselo enkulu. Imali yakho ikhula ngokunyuka intengo uphinde uthole inzalo ngokukhokwa kwemihlomulo. Isibonelo esilula ukuthenga ibhilidi uqashise ngalo. Ngale ndlela uthola irenti nyanga zonke kanti intengo yebhilidi iyanyuka minyaka yonke. Kuyefana nasebhizinisini noma amasheya lapho izabelo singazifanisa nerenti noma inzalo.
Mhlawumbe uzibuza ukuthi ulithenga kanjani ibhilidi noma amasheya. Kukabili, ungathenga ucezu lwebhilidi noma isheya ebhange noma eJSE. Okwesibili ungahlangana nabanye abantu abanomqondo ofanayo nihlanganise imali nithenge ngomfelandawonye.
Ukutshala imali akulona ulimi esilujwayele singabampisholo. Cishe ulimi esilikhulumayo ukubeka imali okusho ukonga. Ukonga kuqinisekisa ukuthi imali yakho ivikelekile futhi uyakwazi ukuyithola ngokushesha. Ngakolunye uhlangothi ukutshala imali akunaso isiqiniseko sokuphepha kwemali futhi akuvamile ukuthi uyithole ngokushesha. Yiwona lo mehluko owenza iningi lethu ligxile ekongeni.
Seziyashintsha kodwa izinto ngoba usuyakwazi ukuthola imali yakho ngokushesha kwezinye izinhlelo zokutshala imali. Okubaluleke kakhulu ukwehluka kwenzalo phakathi kwalezi zinhlelo. Ukonga kunika inzalo encane kakhulu evame ukuba ngaphansi kokwehla kwamandla emali noma ukwenyuka kwentengo yezidingo, i-inflation.
Ukutshala imali kuvame ukuba nembuyiselo engaphezulu kwe-inflation.
Kuyimanje mina ngifunda ngezindlela ezintsha zokutshala imali ezifana nemali ye-internet (cryptocurrency) sinabanye abanolwazi. Ukube ngangithenge enye yale mali ye-internet ukuqala konyaka ngenkulungwane yamarandi (R1 000) ngabe manje nginezinkulungwane ezingamashumi ayisithupha (R60 000). Noma kunjalo angizisoli ngokungathengi ngoba ngazi kancane kakhulu ngalolu hlelo lokutshala imali.
Ngicebisa ukuthi nawe uqaphele uma uqala inkambo yokutshala imali, thola ulwazi uqale kancane kancane. Iseluleko esinohlonze engingasikhohlwa sithi ungatshali imali eqondene nezidingo zakho.
Njengesihlahla sezithelo okuthatha iminyaka ukuthi sithele, ukukhulisa umnotho kuthatha isikhathi.
Kungaba yimfundo, amabhilidi, amasheya, ukutshala imali yindlela ekufanele siyithathe ukukhulisa umnotho.
■Sishayele ku 031 829 5820. Sithinte kule email address mfundoa@gmail. com. Thumela uWhatsApp ku-083 354 8794 ujoyine UbuntuWealth group. Hheshe!